I am always late for work. There. I've said it. And the frustrating thing is that my lateness isn't caused by traffic or some unpredictable morning disaster. Most of the time, it is entirely my own doing. I wake up and make my coffee. Then I get back into bed, which is right by the window, cross my feet, face the window and slowly sip my coffee. And when I say slowly, I mean slowly. I look at the trees. I watch the birds. I feel the morning sun on my skin. Sometimes I just sit there with my thoughts. I really love these mornings. I've also noticed something else. When I give myself enough time in the morning, my body usually does what it needs to do. A slow morning often leads to a bowel movement, which, as far as I'm concerned, is one of the must-haves of starting my day. And so I find myself wishing for more time. More time to sit. More time to drink my coffee. More time to maybe get outside and do some yoga or mat Pilates on the grass while the sun is stil...
Financial discipline often means making tough choices—choosing public transport over car ownership, skipping luxuries to build a savings cushion, or postponing vacations to secure a home. The journey can feel isolating, frustrating, and sometimes even discouraging, especially when peers seem to be enjoying a more carefree life. In these moments, having a personal mantra—a simple, powerful phrase—can help center your mindset, reinforce your ‘why,’ and keep you focused on the bigger picture. Here are some mantras to guide you through different aspects of financial sacrifice and goal-setting. 1. For Choosing Public Transport Over a Car “Every sacrifice has a purpose. Every saved shilling builds my future. My journey may be crowded, but my destination is clear.” When matatu chaos makes you question your decision, this mantra reminds you of the bigger picture. Every shilling saved on fuel, insurance, and maintenance moves you closer to financial security. Your journey may be tough, but the ...